Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingTotal premium grew more than 20% over the prior year. The plan is a good candidate to re-shop its carriers.
The primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
The filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Stop-loss | Stop-loss | |
Vision | Vision |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 2 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 430 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 425 | $45K |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNERS GROUP | 425 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | - |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 THIRD PARTY ADMINSTRATOR | Contract Administrator Service code 13 | — | $220K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NETWORK ACCESS PROVIDER | Insurance services Service code 23 | — | $78K |
| CBIZ BENEFITS & INSURANCE EIN 31-1582098 FUND CONSULTANT | Insurance agents and brokers Service code 22 | — | $67K |
| EMPLOYER WELLNESS SOLUTIONS EIN 48-1225122 PLAN CONSULTANT | Consulting fees Service code 70 | — | $37K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | — | $26K |
| COMMERCE BANK EIN 48-0962626 INVESTMENT MANAGER | Investment management Service code 28 | — | $26K |
| KUTAK ROCK LLP EIN 47-0597598 FUND ATTORNEY | Legal Service code 29 | — | $19K |
| NEW DIRECTIONS EIN 43-1698690 PLAN CONSULTANT | Consulting fees Service code 70 | — | $7K |
| TELADOC EIN 35-2351217 | Insurance services Service code 23 | — | $7K |
| GUARDIAN DENTAL PPO NETWORK AXCESS PROVIDER | Insurance services Service code 23 | PO BOX 26095 LEHIGH VALLEY, PA 18002 | $5K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
1 contact
11 filings · 2015 to 2025